If it had been totaled in a wreck you'd have all kinds of stuff that could be parted out. Problem with a fire is not much is salvageable for parts. Print out everything you sent him in emails and hand it to him to make sure nothing is "overlooked" or missed. Request a statement of accounting as to how they arrive at whatever amount they say they're going to give you, and let them know you want that BEFORE they tell you the payoff amount. Do you own the title to the car? If not, then they may try and send a check to the title holder(s) to get out of the obligation as quickly as possible. He's already indicating they aren't going to give you what you want so make noise now about seeing how they calculate the settlement before they issue it.